Adapter: PostFinance Checkout

General Information

PostFinance Checkout is an online payment solution from PostFinance that allows you to offer your customers payment options with Visa, Mastercard, as well as Swiss payment methods such as PostFinance Card, PostFinance E-Finance, and TWINT.

Features

Payment types

The following features are available in the zahls.ch dashboard:

✅ One-time payment
✅ Refund
❌ Partial refund
❌ Recurring payments (Subscription)
❌ Tokenization
❌ Pre-authorization

Payment methods

Postfinance Card
Postfinance E-Finance
TWINT
Mastercard
Visa

Country Availability

PostFinance Checkout is exclusively available to merchants from Switzerland.

However, if you still wish to use PostFinance Checkout, this guide will explain how to proceed.

Setup

Please follow the instructions below to integrate PostFinance Checkout as an external payment provider in zahls.ch.

Configuration of Postfinance Checkout

Log in to your PostFinance Checkout account.
Create a new space and name it after your shop.
Navigate to Payment / Payment methods / E-Commerce and configure the desired payment methods:

Navigate to Settings > Integrations and activate the "zahls.ch E-Commerce Tools" extension by clicking the yellow button:
Follow the instructions in the setup wizard and generate the three security keys.
Make sure to securely store these three security keys, as you will need to enter them in zahls.ch at a later step.
Once the setup wizard is complete, the PostFinance Checkout test mode will be ready:

Configuration of zahls.ch

Navigate to Payment Providers in the main menu of your zahls.ch account.
Click on "Show" under "Credit cards and debit cards".
Click on "Setup" next to PostFinance Checkout:
If you do not yet have a corresponding account with PostFinance, click "Yes." If you already have an account, click "No, not now":
If you clicked "Yes," you will be redirected to PostFinance, where you can create an account. If you clicked "No," you can make the desired settings in the following window:

Activation of PostFinance Checkout in test mode

Mode: Enable the test mode for PostFinance Checkout.
Payment methods: Activate the desired payment methods by checking the corresponding boxes.
Currencies: Define the currencies you want to accept payments in.
Productive account settings: Leave these fields empty for now.
Sandbox account settings: Copy the Space ID (four-digit number after the name of the space), the application user ID, and the authentication key from the test mode (sandbox) in PostFinance Checkout into the corresponding fields.

Click "Save" to complete the configuration.

The test mode for PostFinance Checkout is now activated. In the following article, you will learn how to test the payment process:

After completing the tests, you can activate the productive mode for PostFinance Checkout.

Switching from Test Mode to Live Mode

After completing your tests, you can activate the payment solution in productive mode (live mode).

Log in to your PostFinance Checkout account.
Navigate to the Contracts section in the menu and finalize a contract for live payments.

Repeat the steps described in the Activating PostFinance Checkout in test mode section, with the following adjustments:
- In the Mode field, select "Live".
- Copy the Space ID, Application User ID, and Authentication Key for live mode from your PostFinance Checkout account into the Productive Account Settings fields.

Payment with PostFinance Checkout from the Customer's Perspective

In the zahls.ch checkout, the customer selects either PostFinance Card or PostFinance E-Finance:
The customer is redirected to the PostFinance website, where they choose whether to pay with the PostFinance App or with PostFinance Card:
The customer follows the instructions and completes the payment.